Our Leadership

Founder and Managing Director

 Mr. Manoj Baraar is a seasoned professional with over 20 years of experience in the Indian financial services sector. His career began with Standard Chartered Bank and culminated in a senior role at Indiabulls Housing Finance, after which he transitioned into entrepreneurship.

In 2013, he founded the Delhi Wealth Group, a financial consulting platform focused on debt advisory and structured financing for MSMEs. His deep understanding of banking and borrower needs has shaped the Group into a trusted name across India.

D Wealth Small Finance Pvt. Ltd., the newest venture under his leadership, is focused on last-mile lending to micro and small businesses. The company operates as a Lending Service Provider (LSP) in partnership with RBI-regulated institutions, offering tailored loan solutions with complete transparency.

Manoj is known for his strategic mindset, ethical approach, and grassroots-level financial vision, making him a leading voice in India’s emerging lending ecosystem.

 Co-Founder & Chief Financial Officer  

Mrs. Suman Rani is the Co-Founder and CFO of D Wealth Small Finance Pvt. Ltd., bringing a strong academic foundation and practical financial acumen to the company’s leadership. A postgraduate in Economics, she plays a pivotal role in driving the financial planning, risk management, and compliance functions across the organization.

With over a decade of entrepreneurial experience, Suman has been instrumental in building Delhi Wealth Group alongside her husband and business partner, Mr. Manoj Baraar. Her contributions have ensured that each financial strategy is not only sustainable but also aligned with the evolving needs of India’s growing micro and small enterprises.

As CFO, she oversees internal controls, fund utilization, audit frameworks, and regulatory reporting, ensuring that D Wealth Small Finance operates with financial integrity and strategic discipline.

Known for her methodical approach, ethical decision-making, and inclusive leadership, Suman Rani stands as a powerful example of women leading from the front in India's financial sector.

Head - Credit & Risk

Mr. Balkishan Raghuvanshi is the Head - Credit and Risk at D Wealth Small Finance Pvt. Ltd., bringing with him over 18 years of extensive experience in credit underwriting, risk assessment, and housing finance.

A former senior banker, Balkishan served in various leadership roles across India’s retail lending sector. In his most recent assignment, he was the State Credit Head at Ummeed Housing Finance, where he led credit operations and policy execution with a focus on affordable housing.

At D Wealth Small Finance, he leads the credit appraisal process, PD evaluation, risk management, and policy development, ensuring every loan disbursed is backed by robust due diligence and compliance frameworks.

His deep field knowledge, strong analytical judgment, and ethical approach to lending make him a pillar of strength in the company’s credit and risk vertical.

Head – Business Development 

 Mr. Varughese George serves as the Head of Business Development at D Wealth Small Finance Pvt. Ltd., where he leads the company’s sales strategy, partner relations, and market expansion initiatives.

With a rich career spanning over 23 years in retail and housing finance, Varughese has held key leadership roles in top financial institutions. Notably, he served as the Regional Sales Head at Indiabulls Housing Finance, where he was responsible for driving volumes, building high-performance teams, and expanding market penetration across regions.

At D Wealth Small Finance, Varughese brings his deep industry insight and field experience to accelerate channel development, DSA management, and customer acquisition, playing a vital role in scaling the company’s presence in the MSME lending space.

His strategic thinking, team leadership, and customer-first approach continue to drive growth and innovation across the business verticals.